Joy M. Gänder, CPCU, ARM – Principal

Joy provides independent risk management and employee benefits consulting services to public-sector, corporate, not-for-profits, and association clients. With over 30 years of experience, her time is devoted to strategic planning for property and casualty insurance programs, acting as an on-demand risk manager, conducting risk management analyses, evaluating and marketing insurance programs, reviewing and consulting on lawsuits, evaluating agents/broker service arrangements, providing counsel on innumerable insurance policies and related documents, and making presentations.

Joy is a member of the Society of Risk Management Consultants, served as President, and is serving a second term on its Board of Directors. She is also a member and former President of the Dairyland Chapter of the Society of CPCU. Joy received her Chartered Property Casualty Underwriter (CPCU) and Associate in Risk Management (ARM) designations in 1989 and 1994, respectively. She is a graduate of UW-Madison with a BBA in Risk Management and Marketing.

Joy joined the UW-Madison School of Business as adjunct faculty for the course, “Property Risk Management 610,” during 2002, 2005, and again for the 2006 fall semester. She is also a guest lecturer for the UW-Madison School of Medicine Physiology 675 Masters of Science course, “Business of Biotechnology Fundamentals,” and for Edgewood College’s Principles of Insurance – Business 350/771 course.

Janet M. Topper – Risk Analyst

Janet has over 25 years of experience in the insurance industry. She provides Risk Analyst services to clients, which include, but are not limited to analyzing insurance coverages, developing insurance policy summaries, assessing loss data on a per unit of exposure basis, and OCI insurance policy form filing compliance. She assists Principal with all aspects of client insurance programs, i.e., risk management audits, research, risk identification, marketing of property and casualty and employee benefits programs, and evaluating submissions. Her background includes being a project assistant to the president of a risk management and insurance consulting firm, operations assistant and office manager for a local manufacturing company, and an executive assistant to a bank CEO, which included providing support for the bank’s risk management program. Janet has also been a personal lines insurance agent. She received a BBA in Risk Management & Insurance from the UW-Madison.